NAGA Pay Card

#47 (out of 48) in Crypto Cards
#38 (out of 39) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • IBAN Account in your name
  • Supports Apple Pay
  • High crypto-to-fiat conversion cost
  • Expensive ATM Withdrawals
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR£ GBP
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost


Highest Cashback

up to 3%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

10 EUR

Daily Spending Limit

7,700 EUR

Daily ATM Withdrawal Limit

300 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (31)

NAGA Pay Card Benefits and Rewards

NAGA Pay card offers up to 3% cashback on every purchase you make with the card:




Monthly Cost 0 EUR 5.99 EUR 14.99 EUR
Crypto to Fiat Fee 3.49% 2.99% 2.49%
Cashback 0.5% 1.5% 3%
Monthly Cashback Cap (derived from spend limit) 10 EUR 15 EUR 60 EUR

You will receive your cashback rewards in BTC, which will be added to your cashback wallet as soon as the transaction is settled.

Reality Check While NAGA Pay Card promotes up to 3% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0.5% cashback, capped at 10 EUR per month.

Are other cards more generous at base tier? Yes, slightly:

NAGA Pay CardIndustry Average1
Entry Level Cashback0.5%1%
Entry Level Cashback Monthly Cap10 EUR20 EUR

NAGA Pay Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • LT88 8888 8888 8888 8888
  • Lithuania flag IBAN Bank Account
  • in your name

With NAGA Pay Card, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Lithuania-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.

Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With NAGA Pay, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.

It Comes in Both Physical and Virtual Forms

You can get NAGA Pay Card in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace the virtual one.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsNo ATM Withdrawals
Required for Car Rentals, HotelsNo Tangible Asset
Useful When Phone Dies, or no WifiApple Pay Enabled: Virtual but In-Store Ready
Backup Payment MethodInstant Availability
Cost to Order:
10 EUR
Cost to Order:

Useful:Since NAGA Pay Card supports Apple Pay, you can use this card in real life, whether you have the virtual or the physical version.

Crypto-to-EUR Conversion Cost with NAGA Pay Card

NAGA Pay Card Requires Pre-Load

Before you can use your NAGA Pay Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.

Crypto to Fiat Conversion Fee3.49%
Sell Spread~0.1%
Load Fee0%
Transaction Fee
Total Crypto to EUR Cost~3.59%

High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with NAGA Pay Card will cost you more (~3.59%). This means that you will get less EUR for your crypto when using this card.

From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does NAGA Pay Card Compare to Other Crypto Cards?

NAGA Pay Card ranks #47 out of 48 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.

We compared NAGA Pay Card with 38 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.

Weakest Features Against Competitors

Compared to its 38 competitors, here are the shortcomings of NAGA Pay Card:

  • Less-known company with a 3/10 company strength score (the average for all competing cards is 6/10).
  • Their customer service is poor with a 5.9/10 score (competitors score 7.5/10 on average).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~3.59% (versus an average of ~1.8% with other cards.)
  • NAGA Pay Card vs. OWNR Card vs. Nexo Card

    NAGA Pay Card
    OWNR Card
    Nexo Card
    Monthly Fee 0.00 EUR 1.50 EUR 0.00 EUR
    Crypto to Fiat Cost ~3.59% ~4.64% ~0.75%
    Highest Cashback up to 3% None up to 2%
    Entry-Level Cashback 0.5% None 0.5%
    Daily Spending Limit 7,700 EUR 2,500 EUR 10,000 EUR
    Daily ATM Limit 300 EUR 500 EUR 2,000 EUR
    Foreign Exchange Fee 2% 2% 0.5%
    Asset Management Custodial Non-Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 22 32 63
    Apple Pay Enabled Enabled Enabled
    Customer Service Average Great Great
    Company Strength Weak Weak Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Nexo Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with NAGA Pay Card and OWNR Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, NAGA Pay Card offers the best cashback rewards of up to 3%. The cashback rewards for Nexo Card are not as high. With OWNR Card, you will have no cashback rewards at all.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

NAGA Pay Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your NAGA Pay Card:

You're at a local ATM and have:
0.0565 ETH (200 EUR)
-7.18 EUR
NAGA Pay Crypto-to-Fiat Conversion Cost: ~3.59%
-2.5 EUR
NAGA Pay ATM Withdrawal Fee: 0.57 EUR + 1%
-3 EUR
ATM Operator Fee: ~3 EUR
187.32 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with NAGA Pay Card will cost you a total of ~12.68 EUR (6.3% of 200 EUR), resulting in a final cash withdrawal of 187.32 EUR in hand.

Plus, if you'd like to check your balance via the ATM, it will cost you an additional 0.35 EUR.

Doesn't NAGA Pay Card Offer Free ATM Withdrawals?

Yes, NAGA Pay offers free ATM withdrawals for up to 300 EUR per month, in line with the average limit of 200 EUR offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 300 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 2.5 EUR, reducing your local ATM withdrawal cost to around 10.18 EUR, compared to the standard cost of approximately 12.68 EUR.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your NAGA Pay Card, here's what it will look like:

You're at an international ATM and have:
0.0565 ETH (200 EUR)
-7.18 EUR
NAGA Pay Crypto-to-Fiat Conversion Cost: ~3.59%
-3.86 EUR
NAGA Pay Intl ATM Withdrawal Fee: 2%
-3.86 EUR
NAGA Pay Foreign Exchange Fee: 2%
-1.93 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.86 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 169.13 EUR)

For an international withdrawal using your NAGA Pay Card with an initial 200 EUR in ETH, you'll incur fees totaling ~23.69 EUR (11.8% of 200 EUR), leaving you with 169.13 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, NAGA Pay Card is more expensive for both local and international ATM withdrawals:

Cost with NAGA Pay CardCost with Other Cards
Local ATM Withdrawals~12.6 EUR (6.3% of 200 EUR)~9.2 EUR (4.6% of 200 EUR)
International ATM Withdrawals~23.6 EUR (11.8% of 200 EUR)~18.4 EUR (9.2% of 200 EUR)

From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.

We Tested NAGA Pay's Customer Support

We asked NAGA Pay's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

NAGA Pay offers support via the following channels:


Location: NAGA Pay customer service reps are located in Germany flagGermany and Ukraine flagUkraine.¹

Support Channel Our Interaction Score
(replied in
1 min)
Struggled to give an answer to a simple question, gave a few related copy pasted answers, didn't know the answer to what countries are eligible for the card.
Low Competence
Not Personalized
Adequate English, Professional Tone
(replied in
3 min)
Quick, good and to the point reply to a question about their IBAN accounts.
High Competence
Not Personalized
Flawless English, Professional Tone
(replied in
1 d 7 h )
Did not specifically answer the question asked, even when question was restated.
Low Competence
Not Personalized
Adequate English, Professional Tone
(replied in
1 d 6 h )
Did not answer the question, whether card can be preauthorized at gas stations. Didn't seem to know the answer.
Low Competence
Not Personalized
Adequate English, Professional Tone
(replied in
1 min)
A bit evasive communication style, but answered the question asked, about cashback.
High Competence
Not Personalized
Adequate English, Professional Tone

To summarize,

Competence and Problem-Solving: NAGA Pay's customer service lacks in competence, often providing unhelpful responses, which is a red flag.

Customer Love: You will not get addressed by name and answers to your questions will be generic. NAGA Pay's customer support agents do not make an effort to personalize their replies.

Reply Speed: Response times are inconsistent, ranging from as quick as 1 minute to as slow as 1 day.

Overall Customer Service Rating: 5.9/10

With this score, NAGA Pay's Customer Service is poor, comparing to other crypto cards, which score an average of 7.5/10.

Is NAGA Pay Card Available for Residents of United States?

No, NAGA Pay Card is not available for residents of United States.

NAGA Pay Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Yes. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

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